Holiday Home Insurance and Second Home Insurance
Protecting your holiday home either overseas or in the UK is a vital way to protect your investment. Choosing a UK insurance product means that you will have peace of mind, when it comes to having to make a claim.Selecting the "get a quote" button will direct you to Intasure.
The benefits of foreign property insurance
Foreign property insurance covers your holiday home abroad, giving you peace of mind that your property is protected. If you let out your holiday home when you are not using it a policy may typically include cover for lets, including public liability. Here are some of the many benefits typically found in insurance for your property overseas.
Buildings insurance
A typical foreign property insurance policy may cover the structure of your holiday home along with any fittings and fixtures on the interior of your home that are not removable. These could include a fitted kitchen and bathroom.
The exterior of your home and such as garages, pathways, walls, your swimming pool and patio may also be covered.
A policy may typically cover damage caused by things such as fire, storm, theft, vandalism, flood, earthquake and lightning. However, when taking out insurance it is essential that you check the summary of your policy and the small print to determine exactly what is and is not protected within the cover.
Contents insurance
Contents insurance typically covers any items in your holiday home and these are replaced if they become damaged, stolen or destroyed. Any items that are of particular expense such as jewellery may be excluded so again check with your provider.
Accidental damage caused by you or family members (but not tenants) is generally not included in your policy but many providers allow you to add it on for extra cost. Your contents are typically protected against the same hazards as in your buildings insurance but do check, as policy features and benefits can vary among providers.
Extra benefits to cover
When taking out insurance you may also get extra benefits depending on your provider or you may be able to add these into your cover.
Public liability is needed if you choose to let your property to other holidaymakers. Typical liability policies protect you against the possibility that a holidaymaker may become injured or even die, whilst on your property. For example if they trip or fall on your property, they may take you to court to seek compensation. In this case, the policy typically pays out up to a pre-agreed amount towards your legal costs.
Foreign property insurance may also sometimes include a loss of rental income in the event that holidaymakers who had pre-booked were unable to stay in your property if your holiday home were damaged.
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